glasssplinter: Do you ever get the feeling that this game is somewhat rigged? Get the credits through the advertising or open up the credit card.
What is rigged in a business thriving for profit IYO?
What are you doing for a living? Do you offer free services, sponsored by the International Tax Payer? lol
Talking about online golf, you might want to get rid of these dreadfully unprecise SWING clubs after 4 weeks of play. Install the Starters which are in your inventory (for free!), learn to swing with the meter and have some fun - still for free.
Another free advice is to mistrust the "caddy" proposing clubs and shots. He's but a lousy b*st*rd, alas an unsackable protegee of the company.
If you return from the "Get Credits" menu section successfully, you might consider to buy some custom wedges, Ping or above, to replace the Starter wedges which really aren't fun in short game. Then you may start to learn all the shots available.